Go Back   iRV2 Forums > MOTORHOME FORUMS > Class A Motorhome Discussions
Click Here to Login
Join iRV2 Today

Mission Statement: Supporting thoughtful exchange of knowledge, values and experience among RV enthusiasts.
Reply
  This discussion is proudly sponsored by:
Please support our sponsors and let them know you heard about their products on iRV2
 
Thread Tools Search this Thread Display Modes
 
Old 09-17-2015, 09:38 PM   #1
Senior Member
 
robertj1979's Avatar
 
Join Date: Oct 2012
Location: Charlotte, NC
Posts: 120
Cornerstone RV Extended Warranty

Just wanted to share my opinion of Cornerstone RV (Cornerstoneunited)
RV extended warranty service. We paid close to $5000 for a five year contract when purchasing a new Monaco Motorhome about three years ago. Filed my first claim a week or so ago and it has been a battle ever since. Long story short was a generator problem and repair with total repair cost around $500. Called them to report the problem before taking to the shop and was advised to get an estimate, have it submitted for approval or to just file the paperwork when work completed to get reimbursed. Took it to the shop and made the repair shop aware who stated they did not get involved in 3rd party warranty and they did not want to call them for to submit the estimate so elected just to get it repaired and submit as instructed by one of their representatives. After doing exactly as I was advised, I called them and they advised me they were denying the claim because I did not follow their proper procedures. Asked to speak with a supervisor and was refused by one of their claims people telling me it would not do me any good.
Called back and spoke with another claims person who stated that they were going to process the claim, but wanted to make a point that I should have followed their procedure of getting the estimate and submitting it first so basically they were trying to "teach me a lesson".
This conversation took place after being put on hold for over 30 minutes.
Just wanted to pass on the poor service I received there and would definitely not recommend this company. I normally do not purchase extended service contracts but given the initial cost of this motorhome and all of the equipment and potential problems thought it a good idea.
__________________

__________________
Robert and Marisa
2012 Monaco Knight 40 DFT
2012 Jeep Rubicon
robertj1979 is offline   Reply With Quote
Join the #1 RV Forum Today - It's Totally Free!

iRV2.com RV Community - Are you about to start a new improvement on your RV or need some help with some maintenance? Do you need advice on what products to buy? Or maybe you can give others some advice? No matter where you fit in you'll find that iRV2 is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with other RV owners, see fewer ads, upload photographs, create an RV blog, send private messages and so much, much more!

Old 09-17-2015, 09:54 PM   #2
Senior Member
 
Mr_D's Avatar
 
Solo Rvers Club
iRV2 No Limits Club
Join Date: May 2011
Location: Vancouver, WA
Posts: 28,515
I don't know of any of the service policy (by law they're not a "warranty") companies that will pay a claim without first getting an estimate and submitting it for approval.
__________________

__________________
2009 45' Magna 630 w/Cummins ISX 650 HP/1950 Lbs Ft
Charter Good Sam Lifetime Member, FMCA, SKP
RV'ing since 1957, NRA Benefactor Life, towing '14 CR-V
Mr_D is offline   Reply With Quote
Old 09-17-2015, 10:08 PM   #3
Senior Member
 
robertj1979's Avatar
 
Join Date: Oct 2012
Location: Charlotte, NC
Posts: 120
If that is the case, would have been nice to know that when I spoke with them before taking it in for service. That is specifically what I asked them when I called and was advised by one of their claims people after he looked up my contract I could file it either way. He said the reason to get the estimate first was simply to allow the warranty company to pay them directly after repairs were made instead of me having to pay "out of pocket" and wait to be reimbursed.
__________________
Robert and Marisa
2012 Monaco Knight 40 DFT
2012 Jeep Rubicon
robertj1979 is offline   Reply With Quote
Old 09-17-2015, 10:18 PM   #4
Senior Member
 
BobGed's Avatar
 
Tiffin Owners Club
Join Date: Oct 2008
Location: Carson City, NV
Posts: 1,942
Yep, you have to get prior approval for a set amount, otherwise these insurance companies would just be writing blank checks, and they're not about to do that. I think you simply received some bad advice from an inexperienced representative.

If your repair facility will not accept and wait for payment from your contract holder, at least get them to call in with their diagnosis and repair estimate. If approved your contract holder will explain the procedures you need to follow to receive personal reimbursement.

I have been through this scenario a few times with my contract holder, and as long as I follow their directions, I haven't had any trouble receiving reimbursement.
__________________
Bob, Sherron & Kinsey (Goldendoodle)
2017 Tiffin Phaeton 40QBH
2014 Jeep Cherokee Limited
BobGed is offline   Reply With Quote
Old 09-17-2015, 10:35 PM   #5
Senior Member
 
JFXG's Avatar
 
Newmar Owners Club
Freightliner Owners Club
Join Date: May 2012
Location: Today? Mercer, PA
Posts: 3,620
Robertj, you are on surer footing if you follow claims instructions as stipulated in your printed contract, rather than verbal advice from someone whose qualifications and experience are wholly unknown to you.

I have filed claims both ways, but filed for reimbursement only with approval. In all cases the repair must be initiated by a conversation between the shop and the administrator.
__________________
John & Diane, Fulltimers. RVM103 NHSO
On the road since June '12 with Lincoln, the guard cat.
2002 Dutch Star 40, Freightliner, Cat 3126, 2004 Element
JFXG is offline   Reply With Quote
Old 09-18-2015, 10:01 AM   #6
Senior Member
 
okie143's Avatar
 
Join Date: Aug 2010
Location: Oklahoma
Posts: 273
Cornerstone sucks eggs!
We bought a mh and the dealer gave us a 3 month, 3000 mile cornerstone warranry. After 1 day of our trip back the turbo went out. Cornerstone immediately accused me of trying to rip them off. I told them I didn't buy the warranty the dealer did. Anyway they denied the claim with even looking at the part. The dealer called them as well and they told them the samething. This was a reputable dealer also.
__________________
Retired Army, Disabled Veteran
Wife, me, and 2006 Coachman Cross Country 372DS makes three, Demco Kar Kaddy SS
okie143 is offline   Reply With Quote
Old 09-18-2015, 12:58 PM   #7
Senior Member
 
robertj1979's Avatar
 
Join Date: Oct 2012
Location: Charlotte, NC
Posts: 120
Thanks for all who have replied, especially okie143. I am in total agreement. I do not agree that reading four pages of fine print should be superior to calling and speaking with one of their representatives regarding the process to file a claim. Given the attitude of the company people I have spoken with at Cornerstone, would not repeat business with them or recommend their services. After all was said and done with a $500 bill and $100 deductible, they promised to pay me $210 with no explanation and just tired of the hassle.
__________________
Robert and Marisa
2012 Monaco Knight 40 DFT
2012 Jeep Rubicon
robertj1979 is offline   Reply With Quote
Old 09-18-2015, 01:33 PM   #8
srh
Senior Member
 
srh's Avatar
 
Monaco Owners Club
Join Date: Feb 2012
Posts: 1,117
These are the reasons why I would rather be self-insured! Also, just think when you have a breakdown and you are on the road, getting an estimate, submitting it to them and waiting for their approval - it could take days! My policy was with Cornerstone and I'm so glad it didn't get through! I saved $,8000!!
__________________
srh
2008 Signature
srh is online now   Reply With Quote
Old 09-19-2015, 04:50 AM   #9
Senior Member
 
Rossi6998's Avatar


 
Winnebago Owners Club
Join Date: May 2008
Location: Whittier, CA
Posts: 581
As others have already mentioned, definitely get approval before having the repair done. If your mechanic/RV Shop does not want to deal with your warranty company, then I would take my business elsewhere. Having said that, I have had a couple expensive repairs done on my motorhome and my extended warranty company (Protective) has covered the repairs without hassle. There was one repair they wanted to see the motorhome prior, but they did authorized it after the inspection.

Good luck!
__________________
John Rossi
2013 Itasca Sunstar 26HE

Firestone Airbags, Hellwig front/rear Anti-Sway Bars,
Rear Trac Bar, Safe-T-Plus, and 480 watt solar system.
Rossi6998 is offline   Reply With Quote
Old 09-19-2015, 09:15 PM   #10
Moderator Emeritus
 
smlranger's Avatar


 
Country Coach Owners Club
Freightliner Owners Club
Join Date: Sep 2004
Location: Glen Allen, VA
Posts: 7,273
Blog Entries: 1
Sorry you had an issue but our experience with Cornerstone has been excellent. In fact, over the past 2 1/2 years, they have promptly paid more than we paid for the warranty in repairs.... and we have 1 1/2 years left on the plan.

In every case, however, the RV repair shop/s have contacted Cornerstone with a description of the issue and repair estimate to get approval. Two RV repair facilities advised us that Cornerstone is one of the best in terms of being reasonable and promptly approving repairs.
__________________
'07 Country Coach Allure 470 Siskiyou Summit #31578, Cummins ISL 425; 2014 Ford F150 toad; Air Force One Toad Brake.
Glen Allen, VA; Smith Mountain Lake, VA.
smlranger is online now   Reply With Quote
Old 09-20-2015, 11:56 AM   #11
Moderator Emeritus
 
Gary RVRoamer's Avatar


 
Join Date: Jan 2000
Location: Silver Springs, FL. USA
Posts: 18,092
A friend of mine has had nothing but positive experience with Cornerstone, but he always followed the claims procedure to the letter and worked with shops that knew how to handle it.

I cannot imagine any claims rep saying to just get it fixed and send us the bill, so I'm sure there was a misunderstanding here. If the shop won't accept direct payment from the company, you can surely pay the bill and submit for reimbursement, but the repair always needs to be authorized first. Approval means both of the nature of the repair (verifying the item is covered by your policy) and also the cost, so some kind of description and estimate is always needed. Obviously that should have been made clear, but without hearing the conversation it is impossible to guess why the misunderstanding occurred.

Personally, I think it speaks well of Cornerstone that they approved payment even though you did not have prior approval.
__________________
Gary Brinck
Former owner of 2004 American Tradition
Home is in the Ocala Nat'l Forest near Ocala, FL
Summers in Black Mountain, NC
Gary RVRoamer is online now   Reply With Quote
Old 09-20-2015, 08:37 PM   #12
Senior Member
 
robertj1979's Avatar
 
Join Date: Oct 2012
Location: Charlotte, NC
Posts: 120
Well glad your friend always followed their claim procedures to the letter and had a good experience. However, it would seem that is not always the case as I guess they are not responsible for what they tell you on the phone and only what is written in the fine print. As is true in our economy and government, lets try and do what is legally required and make the company as profitable as possible at the expense of the customer. I would bet it is acceptable to the company ceo making probably seven figures at the expense of the customer trusting the claims rep.
__________________
Robert and Marisa
2012 Monaco Knight 40 DFT
2012 Jeep Rubicon
robertj1979 is offline   Reply With Quote
Old 09-20-2015, 09:22 PM   #13
Senior Member
 
okie143's Avatar
 
Join Date: Aug 2010
Location: Oklahoma
Posts: 273
We followed the written instructions and called them and still was treated like a crook. So was the dealer. The dealer even demanded his money back from crockedstone.
__________________
Retired Army, Disabled Veteran
Wife, me, and 2006 Coachman Cross Country 372DS makes three, Demco Kar Kaddy SS
okie143 is offline   Reply With Quote
Old 09-22-2015, 05:47 PM   #14
Member
 
Join Date: Jun 2014
Posts: 34
Interesting reading. We are getting ready to have some work done ..
__________________

__________________
Alaskabev is offline   Reply With Quote
Reply



Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Extended warranty....to buy or not to buy? SttRVr Travel Trailer Discussion 8 04-19-2015 07:56 AM
Coach-Net extended warranty DTPinLC Class C Motorhome Discussions 3 04-17-2015 11:17 PM
Renewing Extended Warranty with different dealer wagonmaster2 iRV2.com General Discussion 9 01-16-2015 05:23 PM
Extended warranty Tedcesarano Class A Motorhome Discussions 34 10-31-2014 06:30 PM
Camping World - Good Sams - Extended Warranty - United Service Protection rlchall Gear and Product Discussions 6 07-03-2014 02:21 PM

» Virginia Campgrounds

Reviews provided by


Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -6. The time now is 09:55 AM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.